摘要
分析传统个人征信指标体系存在的不足,采用层次分析法构建区块链视角下个人信用评分模型,证明应用区块链技术可使个人征信指标体系更为全面、深入和可操作。在梳理国内传统信息共享机制面临挑战的基础上,基于国内外区块链视角下个人信息共享机制优化案例分析,提出构筑联盟链数据共享平台、行为追踪与信息共享促进行业自律、共享可追溯数据以实现穿透式监管、利用智能合约贯彻落实法律法规等四方面优化对策。
This paper analyzes the shortcomings of the traditional personal credit investigation index system,and uses the AHP to build a personal credit scoring model from the perspective of blockchain,which proves that the application of blockchain technology can make the personal credit investigation index system more comprehensive,in-depth and operable.On the basis of sorting out the challenges faced by the domestic traditional information sharing mechanism,based on the case analysis of the optimization of personal information sharing mechanism from the perspective of domestic and foreign blockchains,it proposes four optimization countermeasures:building a consortium chain data sharing platform,implementing behavior tracking and information sharing to promote industry self-discipline,sharing traceable data so as to achieve penetrating supervision,and using smart contracts to implement laws and regulations.
作者
丁玲
段丹
韩家平
马子由
麦嘉璐
Ding Ling;Duan Dan;Han Jiaping;Ma Ziyou;Mai Jialu(Institute of International Trade and Economic Cooperation,Ministry of Commerce,Beijing 100710,China)
出处
《征信》
北大核心
2022年第5期1-7,共7页
Credit Reference
基金
国家社会科学基金重大项目(20&ZD075)。
关键词
个人征信指标体系
区块链技术
个人信用评分
信息共享机制
personal credit investigation index system
blockchain technology
personal credit score
information sharing mechanism
